Is this email displaying correctly?
View it in your browser

Cubus Solutions Newsletter: February 2016


The Future of FinTech

In December, KPMG and H2 Ventures released their list of the top FinTech companies in the world in 2015. It’s an interesting read and gives you insight into the innovation happening in the sector all over the world. Some of the categories include peer-to-peer lending platforms, equity crowd-funding platforms, mobile payments, peer-to-peer money transfer services, direct debit providers and wallet payment solutions.

Because there are so many startups entering the space, winners and losers will come more frequently as companies’ growth cycles shorten, and fewer will be able to remain in business - let alone at the at the top - for long. In short, companies will have to become increasingly dynamic – and responsive – to keep up.

Several companies listed are disrupting payments and lending services. As much 30% of financial institutions’ revenues might be at risk due to these three areas. While all innovation should be driven with the thought of providing better outcomes and value for consumers, many cool ideas don’t fulfill the promises they make to consumers. To not only survive but thrive in this new era of hyper disruption, work with a few trusted service providers that will help you wade through this maze. Trust them to help you provide your members a solid middle ground of high tech and high touch.

See the FinTech List

~John-Ashley Paul, President/CEO

Promo image 2

New Customer Support Portal

We are so excited. Our new Cubus Support portal is up and running. All customers can begin using our new customer portal. We hosted a well attended webinar last week to show you how to reach us and use it but in case you missed it, here are the new links:

Phone: (855) 394-3969 x 4

Promo image 2


The Credit Union Times ran an opinion piece written by John-Ashley Paul about the CFPB. It is an expanded version of an article that appeared in the December Cubus newsletter. You’ll need a subscription to read the full article, but we figure all of you have that!

Read the Article

What We're Reading

Increasing Need and Role for Niche Lenders - In the recent 2016 Emerging Trends in Real Estate from the Urban Land Institute, an increase in activity and investment is a main theme of the report, but the paper also suggests a bifurcating lending market is also changing the real estate industry. Bigger projects increasingly require more lead time and more capital, leading many developers to turn towards larger banks. On the flip side, with larger institutions somewhat constrained by recent regulations, more nimble smaller banks and community lenders are increasingly filling the gap. The report suggests many looking for loans are caught in the middle, and choosing a side, large or small, is an important choice. It’s a long read, but has lots of good nuggets of information.
2016 Trends

Fraud Protection in 2016: Sharable Tips for Members - The annual Javelin 2016 Identity Fraud Study, a comprehensive analysis of identity fraud trends, was just released last week and it notes that the number of identity fraud victims increased by three percent (13.1 million consumers) in the U.S. last year, but that the amount stolen decreased by six percent to $15 billion. Check out the results and note the seven safety tips to help consumers protect themselves against fraud. These are great for sharing with your members!

Read the Report

Did You Know?

2016 Federal Reserve holiday Schedule - Don't forget to update the Calendar in CUDeposits Administration for External Transfers (A2A). (Note: Your core system may have several places to update this information as well.)

2016 Banking Holidays

Upcoming Holiday Closures

Mon, 2/15 - Presidents Day

For after-hour support, please call 855-394-3969, #4

Contact Us